Buy now and pay small small with 2 easy steps of up to 3 months installments service by Credpal.

**Note: You will have to be fully employed to qualify for this service.

How it works?

1. Choose pay by Credpal upon checkout

2. Enter your information and click on Pay small small. If you are eligible, the plans will appear automatically on the screen.

FAQs

Here is everything you need to know about Credpal.

What is required to make credit purchases?

To make credit purchases with CredPal, the following are required:

– Work and live in Lagos, Nigeria

– Most recent three months bank statement of account

– A valid means of identification (Driver’s license, National ID, International Passport)

– Provide Utility bill (Nepa bill, Waste management bill, etc.)

Why is my account statement required?

We use your account statement to validate information provided to us, and to also compute a safe credit limit you can access on CredPal.

Are there any interests or fees associated with CredPal Pay Small Small?

Yes. CredPal charges an interest rate of between 7 – 21% per month on all credit purchases. We don’t charge service fees, prepayment fees, or any other hidden fees. We strive always to be more transparent and fair than any other form of financing.

Why is my account statement required?

We use your account statement to validate information provided to us, and to also compute a safe credit limit you can access on CredPal.

What are my payment options?

CredPal allows flexible means of payment which includes:

  • Cheque – POst-dated cheque written and signed for pending repayments.
  • Card – Card setup for pending repayments.

Is my personal information secure with CredPal?

We are pleased to inform you that your personal information is safe with CredPal. We do not divulge customers’ information to third parties and our site guarantees high level security of personal information submitted to us.

Are there any payments to be made when I order with CredPal Credit?

Yes, a 30% upfront is required for orders made with CredPal payment.

The upfront payment can be made on delivery of items or paid via user’s account. The 30% upfront does not carry interest.

Why was I prompted to set up my debit card?

Your card will be used to bill for your repayment.

You can also select the cheque option during account setup if you prefer to pay with cheque.

What are my payment options?

CredPal allows flexible means of payment which includes:

  • Cheque – POst-dated cheque written and signed for pending repayments.
  • Card – Card setup for pending repayments.

Why was my CredPal credit application declined?

Our application might be declined for a number of reasons. Please contact our support if your application ever gets declined. The following are most common reasons:

  • If you do not reside or work in Lagos
  • If your bank statement is discovered to be false or fraudulent
  • If your means of identification are invalid
  • If your bank statement does not reflect stable income